System and method for real-time pricing with volume discounting

ABSTRACT

A system and method are provided for facilitating real-time pricing with volume discounting. The method includes receiving a request for a real-time price quote for a transaction from a first account. The request is received at a first instance in time during a billing cycle. The method also includes determining a first production service, where the first production service is a component of the transaction, and determining a count of first production service instances representing the first production service in the received transaction. The method further includes determining a billable entity for the transaction, where the billable entity includes one or more related accounts, and the related accounts includes the first account. The method additionally includes determining a total of the first production service instances purchased by the related accounts during the billing cycle up to the first instance in time, where the total includes the count of the first production service instances in the received transaction. The method also includes determining a price applicable to the total of the first production service instances based on a pricing method, and apportioning the price to the received transaction based on the count of the first production service instance in the received transaction. The system includes a computer-readable storage medium that has stored thereon computer instructions that, when executed by a computer, cause the computer to receive a request for a real-time price quote for a transaction. The request is received at a first instance in time during a billing cycle, and the transaction includes a number of first production service instances, where each instance represents a first production service. The computer instructions also cause the computer to determine a total count of production service instances consumed during the billing cycle up to the first instance in time based on a pricing relationship, and determine a billing service appropriate for the first production service. The computer instructions further cause the computer to calculate a price for the first production service from a price table based on a first attribute for the billing service and the total count of production service instances consumed, and apportion the price to the received transaction based on the number of first production service instances in the transaction.

RELATED PATENTS

The present application is related to the commonly owned U.S. Pat. No. 6,052,672 entitled “DATA PROCESSING SYSTEM FOR COMPLEX PRICING AND TRANSACTIONAL ANALYSIS,” which is hereby incorporated by reference herein in its entirety.

RELATED APPLICATIONS

The present application is related to the co-pending and commonly owned U.S. patent application Ser. No. 09/183,335 entitled “DATA PROCESSING SYSTEM FOR PRICING, COSTING AND BILLING OF FINANCIAL TRANSACTIONS,” which is hereby incorporated by reference herein in its entirety.

COMPUTER PROGRAM LISTING APPENDIX

The computer program listing appendix attached hereto consists of two (2) identical compact disks, copy 1 and copy 2, each containing a listing of the software code for embodiments of components of this invention. Each compact disk contains the following files (date and time of creation, size in bytes, filename):

Directory of D:\ 02/01/01 09:33a <DIR> . 02/01/01 09:33a <DIR> .. 01/31/01 03:31p <DIR> M-9381 US Directory of D:\M-9381 US 01/31/01 03:31p <DIR> . 02/01/01 09:33a <DIR> .. 01/31/01 03:24p <DIR> CIS 01/31/01 03:27p <DIR> COR 01/31/01 03:27p <DIR> LIB 01/31/01 03:27p <DIR> LXN 01/31/01 03:28p <DIR> MFS 01/31/01 03:30p <DIR> MSC 01/31/01 03:30p <DIR> SCRIPTS 01/31/01 03:31p <DIR> SQL 01/31/01 03:35p <DIR> WEBAPP Directory of D:\M-9381 US\CIS 01/31/01 03:24p <DIR> . 01/31/01 03:31p <DIR> .. 01/29/01 12:28p 35,689 BCIS401_CBL.TXT 01/29/01 12:29p 51,724 BCIS411_CBL.TXT 01/29/01 12:29p 13,593 BCIS422_CBL.TXT 01/29/01 10:38a 48,235 ICIS100_CBL.TXT 01/29/01 10:50a 32,018 ICIS100_CPY.TXT 01/29/01 10:38a 44,419 ICIS101_CBL.TXT 01/29/01 10:50a 31,518 ICIS101_CPY.TXT 01/29/01 10:38a 42,227 ICIS102_CBL.TXT 01/29/01 10:51a 25,203 ICIS102_CPY.TXT 01/29/01 10:38a 51,159 ICIS103_CBL.TXT 01/29/01 10:51a 38,667 ICIS103_CPY.TXT 01/29/01 10:38a 46,375 ICIS104_CBL.TXT 01/29/01 10:51a 35,859 ICIS104_CPY.TXT 01/29/01 10:38a 51,279 ICIS106_CBL.TXT 01/29/01 10:51a 38,280 ICIS106_CPY.TXT 01/29/01 10:38a 39,990 ICIS111_CBL.TXT 01/29/01 10:51a 25,475 ICIS111_CPY.TXT 01/29/01 10:38a 32,573 ICIS112_CBL.TXT 01/29/01 10:51a 16,025 ICIS112_CPY.TXT 01/29/01 10:38a 40,689 ICIS140_CBL.TXT 01/29/01 10:51a 24,440 ICIS140_CPY.TXT 01/29/01 10:38a 31,169 ICIS141_CBL.TXT 01/29/01 10:51a 16,346 ICIS141_CPY.TXT 01/29/01 10:38a 67,112 ICIS142_CBL.TXT 01/29/01 10:51a 47,991 ICIS142_CPY.TXT 01/29/01 10:38a 43,061 ICIS143_CBL.TXT 01/29/01 10:51a 30,175 ICIS143_CPY.TXT 01/29/01 10:38a 52,646 ICIS190_CBL.TXT 01/29/01 10:51a 35,127 ICIS190_CPY.TXT 01/29/01 10:38a 54,168 ICIS191_CBL.TXT 01/29/01 10:51a 36,971 ICIS191_CPY.TXT 01/29/01 10:38a 69,765 ICIS192_CBL.TXT 01/29/01 10:51a 50,485 ICIS192_CPY.TXT 01/29/01 10:38a 67,750 ICIS193_CBL.TXT 01/29/01 10:51a 49,658 ICIS193_CPY.TXT 01/29/01 10:38a 52,048 ICIS194_CBL.TXT 01/29/01 10:51a 35,084 ICIS194_CPY.TXT 01/29/01 10:39a 72,666 ICIS196_CBL.TXT 01/29/01 10:51a 52,178 ICIS196_CPY.TXT 01/29/01 10:39a 62,728 ICIS199_CBL.TXT 01/29/01 10:51a 45,142 ICIS199_CPY.TXT 01/29/01 10:39a 51,443 ICIS701_CBL.TXT 01/29/01 10:51a 38,177 ICIS701_CPY.TXT 01/29/01 10:39a 72,098 ICIS702_CBL.TXT 01/29/01 10:51a 52,566 ICIS702_CPY.TXT 01/29/01 10:39a 46,680 ICIS703_CBL.TXT 01/29/01 10:51a 33,441 ICIS703_CPY.TXT 01/29/01 10:39a 68,603 ICIS704_CBL.TXT 01/29/01 10:51a 48,149 ICIS704_CPY.TXT 01/29/01 10:39a 49,424 ICIS705_CBL.TXT 01/29/01 10:51a 38,919 ICIS705_CPY.TXT 01/29/01 10:39a 58,596 ICIS706_CBL.TXT 01/29/01 10:51a 41,118 ICIS706_CPY.TXT 01/29/01 10:39a 49,731 ICIS707_CBL.TXT 01/29/01 10:51a 38,992 ICIS707_CPY.TXT 01/29/01 10:39a 62,834 ICIS708_CBL.TXT 01/29/01 10:51a 44,418 ICIS708_CPY.TXT 01/29/01 10:39a 45,267 ICIS709_CBL.TXT 01/29/01 10:52a 27,989 ICIS709_CPY.TXT 01/29/01 10:39a 70,396 ICIS710_CBL.TXT 01/29/01 10:52a 50,847 ICIS710_CPY.TXT 01/29/01 10:39a 50,533 ICIS711_CBL.TXT 01/29/01 10:52a 39,666 ICIS711_CPY.TXT 01/29/01 10:39a 66,244 ICIS712_CBL.TXT 01/29/01 10:52a 47,318 ICIS712_CPY.TXT 01/29/01 10:39a 43,092 ICIS713_CBL.TXT 01/29/01 10:52a 26,459 ICIS713_CPY.TXT 01/29/01 10:39a 73,837 ICIS714_CBL.TXT 01/29/01 10:52a 53,861 ICIS714_CPY.TXT 01/29/01 10:39a 37,260 ICIS717_CBL.TXT 01/29/01 10:52a 20,949 ICIS717_CPY.TXT 01/29/01 10:39a 72,726 ICIS718_CBL.TXT 01/29/01 10:52a 53,256 ICIS718_CPY.TXT 01/29/01 10:39a 70,867 ICIS723_CBL.TXT 01/29/01 10:52a 58,288 ICIS723_CPY.TXT 01/29/01 10:39a 76,278 ICIS724_CBL.TXT 01/29/01 10:52a 55,563 ICIS724_CPY.TXT 01/29/01 10:39a 52,323 ICIS727_CBL.TXT 01/29/01 10:52a 40,879 ICIS727_CPY.TXT 01/29/01 10:39a 72,519 ICIS728_CBL.TXT 01/29/01 10:52a 51,904 ICIS728_CPY.TXT 01/29/01 10:39a 69,747 ICIS729_CBL.TXT 01/29/01 10:52a 56,052 ICIS729_CPY.TXT 01/29/01 10:39a 73,137 ICIS730_CBL.TXT 01/29/01 10:52a 52,659 ICIS730_CPY.TXT 01/29/01 10:39a 50,833 ICIS731_CBL.TXT 01/29/01 10:52a 39,710 ICIS731_CPY.TXT 01/29/01 10:39a 65,788 ICIS732_CBL.TXT 01/29/01 10:52a 46,050 ICIS732_CPY.TXT 01/29/01 10:39a 64,002 ICIS999_CBL.TXT 01/29/01 10:52a 45,683 ICIS999_CPY.TXT 01/29/01 12:32p 46,994 LCIS401_CBL.TXT 01/29/01 12:32p 27,233 LCIS402_CBL.TXT 01/29/01 12:32p 24,540 LCIS403_CBL.TXT 01/29/01 12:32p 23,580 LCIS404_CBL.TXT 01/29/01 12:32p 23,940 LCIS405_CBL.TXT 01/29/01 12:32p 28,032 LCIS406_CBL.TXT 01/29/01 12:32p 22,800 LCIS407_CBL.TXT 01/29/01 12:33p 21,556 LCIS408_CBL.TXT 01/29/01 12:33p 33,308 LCIS409_CBL.TXT 01/29/01 12:33p 31,048 LCIS411_CBL.TXT 01/29/01 12:33p 21,525 LCIS428_CBL.TXT 01/29/01 12:33p 21,497 LCIS429_CBL.TXT 01/29/01 12:33p 34,823 LCIS430_CBL.TXT 01/29/01 12:33p 32,605 LCIS431_CBL.TXT 01/29/01 12:33p 27,771 LCIS432_CBL.TXT 01/29/01 12:33p 29,055 LCIS433_CBL.TXT 01/29/01 12:34p 27,890 LCIS434_CBL.TXT 01/29/01 12:34p 23,259 LCIS440_CBL.TXT 01/29/01 12:34p 22,995 LCIS441_CBL.TXT 01/29/01 12:34p 23,029 LCIS442_CBL.TXT 01/29/01 12:34p 23,025 LCIS443_CBL.TXT 01/29/01 12:34p 22,786 LCIS444_CBL.TXT 01/29/01 12:34p 27,668 LCIS445_CBL.TXT 01/29/01 12:34p 29,873 LCIS449_CBL.TXT 01/29/01 12:34p 76,689 LCIS451_CBL.TXT 01/29/01 10:46a 317 LCIS451_CPY.TXT 01/29/01 12:34p 55,568 LCIS452_CBL.TXT 01/29/01 10:46a 317 LCIS452_CPY.TXT 01/29/01 12:35p 54,293 LCIS455_CBL.TXT 01/29/01 10:46a 317 LCIS455_CPY.TXT 01/29/01 12:3Sp 66,733 LCIS460_CBL.TXT 01/29/01 12:35p 37,261 LCIS462_CBL.TXT 01/29/01 12:35p 99,936 LCIS463_CBL.TXT 01/29/01 04:01p 104,294 RCIS100m.TXT 01/29/01 04:02p 84,216 RCIS101m.TXT 01/29/01 04:02p 87,439 RCIS102m.TXT 01/29/01 04:26p 92,074 RCIS103m.TXT 01/29/01 04:26p 83,317 RCIS104m.TXT 01/29/01 04:26p 92,933 RCIS106m.TXT 01/29/01 04:26p 83,164 RCIS111m.TXT 01/29/01 04:34p 61,274 RCIS112m.TXT 01/29/01 04:26p 89,756 RCIS140m.TXT 01/29/01 04:26p 70,581 RCIS141m.TXT 01/29/01 04:26p 112,220 RCIS142m.TXT 01/29/01 04:27p 69,415 RCIS143m.TXT 01/29/01 04:34p 85,294 RCIS190m.TXT 01/29/01 04:34p 87,768 RCIS191m.TXT 01/29/01 04:34p 102,190 RCIS192m.TXT 01/29/01 04:34p 105,248 RCIS193m.TXT 01/29/01 04:34p 85,497 RCIS194m.TXT 01/29/01 04:34p 107,615 RCIS196m.TXT 01/29/01 04:34p 99,720 RCIS199m.TXT 01/29/01 04:28p 99,722 RCIS701m.TXT 01/29/01 04:34p 115,070 RCIS702m.TXT 01/29/01 04:29p 85,799 RCIS703m.TXT 01/29/01 04:34p 104,168 RCIS704m.TXT 01/29/01 04:29p 85,717 RCIS705m.TXT 01/29/01 04:34p 93,370 RCIS706m.TXT 01/29/01 04:29p 88,711 RCIS707m.TXT 01/29/01 04:34p 101,296 RCIS708m.TXT 01/29/01 04:29p 97,929 RCIS709m.TXT 01/29/01 04:34p 108,786 RCIS710m.TXT 01/29/01 04:29p 91,554 RCIS711m.TXT 01/29/01 04:34p 107,841 RCIS712m.TXT 01/29/01 04:29p 95,314 RCIS713m.TXT 01/29/01 04:34p 116,846 RCIS714m.TXT 01/29/01 04:29p 82,667 RCIS717m.TXT 01/29/01 04:34p 105,771 RCIS718m.TXT 01/29/01 04:31p 125,556 RCIS723m.TXT 01/29/01 04:34p 118,032 RCIS724m.TXT 01/29/01 04:31p 86,801 RCIS727m.TXT 01/29/01 04:34p 111,967 RCIS728m.TXT 01/29/01 04:31p 117,336 RCIS729m.TXT 01/29/01 04:34p 109,443 RCIS730m.TXT 01/29/01 04:30p 86,482 RCIS731m.TXT 01/29/01 04:34p 105,040 RCIS732m.TXT 01/29/01 04:34p 97,329 RCIS999m.TXT 01/29/01 10:39a 144,095 SCIS100_CBL.TXT 01/29/01 10:53a 343 SCIS100_CPY.TXT 01/29/01 10:39a 91,151 SCIS101_CBL.TXT 01/29/01 10:54a 343 SCIS101_CPY.TXT 01/29/01 10:39a 90,179 SCIS102_CBL.TXT 01/29/01 10:54a 349 SCIS102_CPY.TXT 01/29/01 10:39a 124,449 SCIS103_CBL.TXT 01/29/01 10:54a 349 SCIS103_CPY.TXT 01/29/01 10:39a 84,119 SCIS104_CBL.TXT 01/29/01 10:54a 340 SCIS104_CPY.TXT 01/29/01 10:39a 140,052 SCIS106_CBL.TXT 01/29/01 10:54a 346 SCIS106_CPY.TXT 01/29/01 10:39a 84,012 SCIS111_CBL.TXT 01/29/01 10:54a 337 SCIS111_CPY.TXT 01/29/01 12:35p 92,662 SCIS112_CBL.TXT 01/29/01 10:39a 101,417 SCIS140_CBL.TXT 01/29/01 10:54a 343 SCIS140_CPY.TXT 01/29/01 10:39a 74,035 SCIS141_CBL.TXT 01/29/01 10:39a 299,844 SCIS142_CBL.TXT 01/29/01 10:54a 346 SCIS142_CPY.TXT 01/29/01 12:41p 87,824 SCIS143_CBL.TXT 01/29/01 10:39a 118,965 SCIS190_CBL.TXT 01/29/01 10:39a 126,028 SCIS191_CBL.TXT 01/29/01 10:39a 140,902 SCIS192_CBL.TXT 01/29/01 10:39a 136,390 SCIS193_CBL.TXT 01/29/01 10:39a 118,178 SCIS194_CBL.TXT 01/29/01 10:39a 146,211 SCIS196_CBL.TXT 01/29/01 10:39a 124,426 SCIS199_CBL.TXT 01/29/01 10:39a 169,468 SCIS701_CBL.TXT 01/29/01 10:55a 346 SCIS701_CPY.TXT 01/29/01 10:39a 139,090 SCIS702_CBL.TXT 01/29/01 10:40a 88,998 SCIS703_CBL.TXT 01/29/01 10:55a 346 SCIS703_CPY.TXT 01/29/01 10:40a 134,605 SCIS704_CBL.TXT 01/29/01 10:40a 104,320 SCIS705_CBL.TXT 01/29/01 10:55a 349 SCIS705_CPY.TXT 01/29/01 10:40a 124,457 SCIS706_CBL.TXT 01/29/01 10:40a 91,408 SCIS707_CBL.TXT 01/29/01 10:55a 349 SCIS707_CPY.TXT 01/29/01 10:40a 125,202 SCIS708_CBL.TXT 01/29/01 10:40a 116,165 SCIS709_CBL.TXT 01/29/01 10:55a 343 SCIS709_CPY.TXT 01/29/01 10:40a 148,219 SCIS710_CBL.TXT 01/29/01 10:40a 93,778 SCIS711_CBL.TXT 01/29/01 10:55a 346 SCIS711_CPY.TXT 01/29/01 10:40a 126,338 SCIS712_CBL.TXT 01/29/01 10:40a 214,783 SCIS713_CBL.TXT 01/29/01 10:55a 675 SCIS713_CPY.TXT 01/29/01 10:40a 136,369 SCIS714_CBL.TXT 01/29/01 10:40a 84,799 SCIS717_CBL.TXT 01/29/01 10:56a 349 SCIS717_CPY.TXT 01/29/01 10:40a 127,780 SCIS718_CBL.TXT 01/29/01 10:40a 468,380 SCIS723_CBL.TXT 01/29/01 10:56a 349 SCIS723_CPY.TXT 01/29/01 10:40a 186,159 SCIS724_CBL.TXT 01/29/01 10:40a 238,079 SCIS727_CBL.TXT 01/29/01 10:56a 349 SCIS727_CPY.TXT 01/29/01 10:40a 128,803 SCIS728_CBL.TXT 01/29/01 10:40a 436,585 SCIS729_CBL.TXT 01/29/01 10:56a 346 SCIS729_CPY.TXT 01/29/01 10:40a 175,547 SCIS730_CBL.TXT 01/29/01 10:40a 86,311 SCIS731_CBL.TXT 01/29/01 10:57a 349 SCIS731_CPY.TXT 01/29/01 10:40a 127,420 SCIS732_CBL.TXT 01/29/01 10:40a 144,640 SCIS999_CBL.TXT Directory of D:\M-9381 US\COR 01/31/01 03:27p <DIR> . 01/31/01 03:31p <DIR> .. 01/29/01 10:41a 16,105 BCOR001_CBL.TXT 01/29/01 10:41a 16,691 BCOR002_CBL.TXT 01/29/01 12:29p 68,108 BCOR003_CBL.TXT 01/29/01 10:39a 25,942 ICOR001_CBL.TXT 01/29/01 10:52a 8,372 ICOR001_CPY.TXT 01/29/01 10:39a 43,927 ICOR011_CBL.TXT 01/29/01 10:52a 26,969 ICOR011_CPY.TXT 01/29/01 10:39a 38,679 ICOR012_CBL.TXT 01/29/01 10:52a 22,122 ICOR012_CPY.TXT 01/29/01 10:39a 40,805 ICOR013_CBL.TXT 01/29/01 10:52a 24,879 ICOR013_CPY.TXT 01/29/01 10:39a 41,479 ICOR016_CBL.TXT 01/29/01 10:52a 28,351 ICOR016_CPY.TXT 01/29/01 10:39a 41,295 ICOR017_CBL.TXT 01/29/01 10:52a 27,875 ICOR017_CPY.TXT 01/29/01 10:39a 47,559 ICOR019_CBL.TXT 01/29/01 10:53a 29,279 ICOR019_CPY.TXT 01/29/01 10:39a 41,090 ICOR020_CBL.TXT 01/29/01 10:53a 27,139 ICOR020_CPY.TXT 01/29/01 10:39a 42,011 ICOR021_CBL.TXT 01/29/01 10:53a 29,334 ICOR021_CPY.TXT 01/29/01 12:35p 30,078 ICOR022_CBL.TXT 01/29/01 10:53a 8,651 ICOR022_CPY.TXT 01/29/01 10:39a 37,393 ICOR023_CBL.TXT 01/29/01 10:53a 21,514 ICOR023_CPYTXT 01/29/01 10:39a 64,580 ICOR025_CBL.TXT 01/29/01 10:53a 46,243 ICOR025_CPY.TXT 01/29/01 10:39a 42,068 ICOR028_CBL.TXT 01/29/01 10:53a 29,929 ICOR028_CPY.TXT 01/29/01 10:39a 56,659 ICOR050_CBL.TXT 01/29/01 10:53a 38,833 ICOR050_CPY.TXT 01/29/01 10:39a 54,144 ICOR051_CBL.TXT 01/29/01 10:53a 36,342 ICOR051_CPY.TXT 01/29/01 10:39a 49,390 ICOR052_CBL.TXT 01/29/01 10:53a 32,346 ICOR052_CPY.TXT 01/29/01 10:39a 61,073 ICOR053_CBL.TXT 01/29/01 10:53a 42,464 ICOR053_CPY.TXT 01/29/01 10:39a 49,137 ICOR054_CBL.TXT 01/29/01 10:53a 32,156 ICOR054_CPY.TXT 01/29/01 10:39a 57,354 ICOR055_CBL.TXT 01/29/01 10:53a 39,006 ICOR055_CPY.TXT 01/29/01 10:39a 70,700 ICOR056_CBL.TXT 01/29/01 10:53a 50,684 ICOR056_CPY.TXT 01/29/01 10:39a 49,283 ICOR057_CBL.TXT 01/29/01 10:53a 32,345 ICOR057_CPY.TXT 01/29/01 10:39a 67,585 ICOR058_CBL.TXT 01/29/01 10:53a 48,403 ICOR058_CPY.TXT 01/29/01 10:39a 68,072 ICOR059_CBL.TXT 01/29/01 10:53a 47,277 ICOR059_CPY.TXT 01/29/01 12:41p 79,984 LCOR001_CBL.TXT 01/29/01 10:46a 323 LCOR001_CPY.TXT 01/29/01 12:35p 27,847 LCOR002_CBL.TXT 01/29/01 12:36p 29,319 LCOR003_CBL.TXT 01/29/01 12:36p 33,886 LCOR004_CBL.TXT 01/29/01 12:36p 28,433 LCOR005_CBL.TXT 01/29/01 01:35p 26,328 LC0R006_CBL.TXT 01/29/01 12:36p 23,979 LCOR007_CBL.TXT 01/29/01 12:42p 27,505 LCOR010_CBL.TXT 01/29/01 04:30p 57,676 RCOR000m.TXT 01/29/01 04:30p 53,152 RCOR001m.TXT 01/29/01 04:34p 57,916 RCOR002m.TXT 01/29/01 04:34p 53,337 RCOR007m.TXT 01/29/01 04:30p 92,054 RCOR011m.TXT 01/29/01 04:30p 86,881 RCOR012m.TXT 01/29/01 04:30p 86,596 RCOR013m.TXT 01/29/01 04:30p 82,400 RCOR016m.TXT 01/29/01 04:30p 83,438 RCOR017m.TXT 01/29/01 04:30p 59,213 RCOR018m.TXT 01/29/01 04:30p 100,528 RCOR019m.TXT 01/29/01 04:30p 84,268 RCOR020m.TXT 01/29/01 04:30p 81,747 RCOR021m.TXT 01/29/01 04:30p 81,903 RCOR023m.TXT 01/29/01 04:35p 98,146 RCOR025m.TXT 01/29/01 04:30p 81,155 RCOR028m.TXT 01/29/01 04:30p 46,097 RCOR033m.TXT 01/29/01 04:35p 91,065 RCOR050m.TXT 01/29/01 04:35p 87,584 RCOR051m.TXT 01/29/01 04:35p 80,488 RCOR052m.TXT 01/29/01 04:35p 96,711 RCOR053m.TXT 01/29/01 04:35p 81,410 RCOR054m.TXT 01/29/01 04:35p 92,375 RCOR055m.TXT 01/29/01 04:35p 102,448 RCOR056m.TXT 01/29/01 04:35p 81,376 RCOR057m.TXT 01/29/01 04:35p 104,131 RCOR058m.TXT 01/29/01 04:35p 104,784 RCOR059m.TXT 01/29/01 12:42p 93,661 SCOR000_CBL.TXT 01/29/01 10:57a 348 SCOR000_CPY.TXT 01/29/01 12:36p 86,049 SCOR001_CBL.TXT 01/29/01 10:57a 348 SCOR001_CPY.TXT 01/29/01 10:40a 53,682 SCOR007_CBL.TXT 01/29/01 10:40a 124,142 SCOR011_CBL.TXT 01/29/01 10:57a 349 SCOR011_CPY.TXT 01/29/01 10:40a 87,161 SCOR012_CBL.TXT 01/29/01 10:57a 343 SCOR012_CPY.TXT 01/29/01 10:40a 123,301 SCOR013_CBL.TXT 01/29/01 10:57a 674 SCOR013_CPY.TXT 01/29/01 10:40a 81,407 SCOR016_CBL.TXT 01/29/01 10:57a 349 SCOR016_CPY.TXT 01/29/01 10:40a 80,331 SCOR017_CBL.TXT 01/29/01 10:57a 349 SCOR017_CPY.TXT 01/29/01 12:36p 96,171 SCOR018_CBL.TXT 01/29/01 10:41a 154,792 SCOR019_CBL.TXT 01/29/01 10:57a 346 SCOR019_CPY.TXT 01/29/01 10:41a 81,191 SCOR020_CBL.TXT 01/29/01 10:57a 346 SCOR020_CPY.TXT 01/29/01 10:41a 76,854 SCOR021_CBL.TXT 01/29/01 10:57a 346 SCOR021_CPY.TXT 01/29/01 10:41a 62,279 SCOR022_CBL.TXT 01/29/01 10:41a 82,063 SCOR023_CBL.TXT 01/29/01 10:57a 340 SCOR023_CPY.TXT 01/29/01 12:36p 49,752 SCOR024_CBL.TXT 01/29/01 10:57a 348 SCOR024_CPY.TXT 01/29/01 10:41a 126,300 SCOR025_CBL.TXT 01/29/01 10:41a 75,975 SCOR028_CBL.TXT 01/29/01 10:58a 349 SCOR028_CPY.TXT 01/29/01 10:41a 47,512 SCOR029_CBL.TXT 01/29/01 12:36p 47,734 SCOR033_CBL.TXT 01/29/01 10:41a 120,091 SCOR050_CBL.TXT 01/29/01 10:41a 118,238 SCOR051_CBL.TXT 01/29/01 10:41a 194,847 SCOR052_CBL.TXT 01/29/01 10:41a 249,802 SCOR053_CBL.TXT 01/29/01 10:41a 113,857 SC0R054_CBL.TXT 01/29/01 10:41a 122,912 SCOR055_CBL.TXT 01/29/01 10:41a 144,769 SCOR056_CBL.TXT 01/29/01 10:41a 145,415 SCOR057_CBL.TXT 01/29/01 10:41a 154,295 SCOR058_CBL.TXT 01/29/01 10:41a 128,384 SCOR059_CBL.TXT 01/29/01 10:41a 18,359 SCOR099_CBL.TXT Directory of D:\M-9381 US\LIB 01/31/01 03:27p <DIR> . 01/31/01 03:31p <DIR> .. 02/13/96 12:46p 514 CPY001_CPY.TXT 11/23/00 04:59p 270 Cpy000_CPY.TXT 01/29/01 04:51p 3,444 Cpy002_CPY.TXT 01/29/01 04:51p 5,685 Cpy003_CPY.TXT 09/30/98 04:02p 4,059 Cpy004_CPY.TXT 09/30/98 03:43p 4,799 Cpy005_CPY.TXT 10/06/00 02:21p 10,347 Libcdecb_CPY.TXT 01/12/01 04:05p 16,444 cpyinv_CPY.TXT 01/12/01 04:05p 786,094 libmsgcb_CPY.TXT 01/12/01 04:05p 61,640 libreccb_CPY.TXT 01/12/01 04:05p 54,510 libwstcb_CPY.TXT Directory of D:\M-9381 US\LXN 01/31/01 03:27p <DIR> . 01/31/01 03:31p <DIR> .. 01/29/01 10:37a 46,085 LX0A463_CBL.TXT 01/29/01 10:37a 150,845 LX1A305_CBL.TXT 01/29/01 10:37a 150,845 LX1A309_CBL.TXT 01/29/01 10:37a 127,563 LX1E029_CBL.TXT 01/29/01 10:37a 127,917 LX1E401_CBL.TXT 01/29/01 10:37a 138,405 LX1E404_CBL.TXT 01/29/01 10:37a 56,995 LX1E405_CBL.TXT 01/29/01 10:37a 137,114 LX1E406_CBL.TXT 01/29/01 10:37a 24,698 LX1E407_CBL.TXT 01/29/01 10:37a 269,840 LX1E411_CBL.TXT 01/29/01 10:37a 33,630 LX1E440_CBL.TXT 01/29/01 10:37a 48,859 LX1E441_CBL.TXT 01/29/01 10:38a 36,024 LX1E442_CBL.TXT 01/29/01 10:38a 36,868 LX1E443_CBL.TXT 01/29/01 10:38a 23,375 LX1E444_CBL.TXT 01/29/01 10:38a 165,404 LX1E445_CBL.TXT 01/29/01 10:38a 35,602 LX1E463_CBL.TXT 01/29/01 10:38a 45,930 LX1R404_CBL.TXT 01/29/01 10:38a 23,260 LX1R409_CBL.TXT 01/29/01 10:38a 43,432 LX1R445_CBL.TXT 01/29/01 10:38a 21,443 LX2A305_CBL.TXT 01/29/01 10:38a 21,443 LX2A309_CBL.TXT 01/29/01 10:38a 81,672 LX2E029_CBL.TXT 01/29/01 10:38a 81,527 LX2E401_CBL.TXT 01/29/01 10:38a 97,096 LX2E404_CBL.TXT 01/29/01 10:38a 38,786 LX2E405_CBL.TXT 01/29/01 10:38a 89,480 LX2E406_CBL.TXT 01/29/01 10:38a 24,608 LX2E407_CBL.TXT 01/29/01 10:38a 165,091 LX2E411_CBL.TXT 01/29/01 10:38a 24,187 LX2E440_CBL.TXT 01/29/01 10:38a 73,667 LX2E441_CBL.TXT 01/29/01 10:38a 27,125 LX2E442_CBL.TXT 01/29/01 10:38a 26,856 LX2E443_CBL.TXT 01/29/01 10:38a 20,100 LX2E444_CBL.TXT 01/29/01 10:38a 110,268 LX2E445_CBL.TXT 01/29/01 10:38a 26,421 LX2E463_CBL.TXT 01/29/01 10:38a 22,323 LX3A305_CBL.TXT 01/29/01 10:38a 22,323 LX3A309 CBL.TXT 01/29/01 10:38a 29,944 LX4A305_CBL.TXT 01/29/01 10:38a 29,944 LX4A309_CBL.TXT 01/29/01 10:38a 19,684 LX5A305_CBL.TXT 01/29/01 10:38a 19,684 LX5A309_CBL.TXT Directory of D:\M-9381 US\MFS 01/31/01 03:28p <DIR> . 01/31/01 03:31p <DIR> .. 01/29/01 10:41a 222 ZABEND1_CBL.TXT 01/29/01 10:41a 6,631 ZCALLSV_CBL.TXT 01/29/01 10:41a 1,077 ZCBLERR_CBL.TXT 01/29/01 10:41a 4,857 ZCONECT_CBL.TXT 01/29/01 10:41a 5,291 ZCRERPT_CBL.TXT 01/29/01 10:41a 276 ZDEBUG1_CBL.TXT 01/29/01 10:41a 393 ZDEBUG2_CBL.TXT 01/29/01 10:41a 1,728 ZDISCON_CBL.TXT 01/29/01 10:41a 1,041 ZGETTXT_CBL.TXT 01/29/01 10:41a 6,932 ZINIINP_CBL.TXT 01/29/01 10:41a 891 ZINTJUL_CBL.TXT 01/29/01 10:41a 2,153 ZINTTME_CBL.TXT 01/29/01 10:41a 829 ZJULDAY_CBL.TXT 01/29/01 10:41a 624 ZJULDYN_CBL.TXT 01/29/01 10:41a 1,479 ZJULSTM_CBL.TXT 01/29/01 10:41a 1,562 ZJULTME_CBL.TXT 01/29/01 10:41a 5,953 ZLEVENT_CBL.TXT 01/29/01 10:41a 698 ZOLE001_CBL.TXT 01/29/01 10:41a 1,691 ZOLE002_CBL.TXT 01/29/01 10:41a 696 ZOLE100_CBL.TXT 01/29/01 10:41a 696 ZOLE101_CBL.TXT 01/29/01 10:41a 696 ZOLE102_CBL.TXT 01/29/01 10:41a 696 ZOLE103_CBL.TXT 01/29/01 10:41a 696 ZOLE104_CBL.TXT 01/29/01 10:41a 696 ZOLE105_CBL.TXT 01/29/01 10:41a 696 ZOLE106_CBL.TXT 01/29/01 10:41a 696 ZOLE107_CBL.TXT 01/29/01 10:41a 696 ZOLE108_CBL.TXT 01/29/01 10:41a 696 ZOLE109_CBL.TXT 01/29/01 10:41a 133,143 ZPREPRC_CBL.TXT 01/29/01 10:41a 1,772 ZSQLERR_CBL.TXT 01/29/01 10:41a 1,198 ZTIME01_CBL.TXT 01/29/01 10:41a 1,769 ZTJULDY_CBL.TXT 01/29/01 10:41a 2,111 ZTMFTRN_CBL.TXT 01/29/01 10:41a 1,090 ZTRG001_CBL.TXT 01/29/01 10:41a 492 ZTRG002_CBL.TXT Directory of D:\M-9381 US\MSC 01/31/01 03:30p <DIR> . 01/31/01 03:31p <DIR> .. 01/29/01 12:25p 53,642 BMSC201_CBL.TXT 01/29/01 12:25p 130,025 BMSC230_CBL.TXT 01/29/01 10:59a 977 BMSC230_CPY.TXT 01/29/01 12:25p 133,301 BMSC262_CBL.TXT 01/29/01 10:59a 982 BMSC262_CPY.TXT 01/29/01 01:35p 113,486 BMSC263_CBL.TXT 01/29/01 10:59a 330 BMSC263_CPY.TXT 01/29/01 12:25p 154,552 BMSC267_CBL.TXT 01/29/01 10:59a 1,308 BMSC267_CPY.TXT 01/29/01 12:25p 134,918 BMSC275_CBL.TXT 01/29/01 10:59a 977 BMSC275_CPY.TXT 01/29/01 12:26p 153,076 BMSC276_CBL.TXT 01/29/01 10:59a 1,305 BMSC276_CPY.TXT 01/29/01 12:26p 106,890 BMSC300_CBL.TXT 01/29/01 11:00a 330 BMSC300_CPY.TXT 01/29/01 12:26p 104,861 BMSC301_CBL.TXT 01/29/01 11:00a 330 BMSC301_CPY.TXT 01/29/01 12:37p 171,201 BMSC350_CBL.TXT 01/29/01 11:00a 330 BMSC350_CPY.TXT 01/29/01 12:26p 128,125 BMSC351_CBL.TXT 01/29/01 11:00a 330 BMSC351_CPY.TXT 01/29/01 12:26p 132,623 BMSC352_CBL.TXT 01/29/01 11:00a 979 BMSC352_CPY.TXT 01/29/01 12:26p 375,914 BMSC359_CBL.TXT 01/29/01 11:00a 2,271 BMSC359_CPY.TXT 01/29/01 12:43p 171,267 BMSC360_CBL.TXT 01/29/01 11:00a 330 BMSC360_CPY.TXT 01/29/01 12:43p 143,913 BMSC370_CBL.TXT 01/29/01 11:00a 330 BMSC370_CPY.TXT 01/29/01 12:27p 130,614 BMSC373_CBL.TXT 01/29/01 11:00a 330 BMSC373_CPY.TXT 01/29/01 12:27p 109,484 BMSC375_CBL.TXT 01/29/01 11:00a 330 BMSC375_CPY.TXT 01/29/01 12:27p 109,876 BMSC376_CBL.TXT 01/29/01 11:00a 330 BMSC376_CPY.TXT 01/29/01 12:27p 131,522 BMSC382_CBL.TXT 01/29/01 11:00a 330 BMSC382_CPY.TXT 01/29/01 12:27p 134,514 BMSC383_CBL.TXT 01/29/01 11:00a 330 BMSC383_CPY.TXT 01/29/01 12:27p 124,580 BMSC385_CBL.TXT 01/29/01 11:00a 1,300 BMSC385_CPY.TXT 01/29/01 12:27p 124,591 BMSC394_CBL.TXT 01/29/01 11:00a 330 BMSC394_CPY.TXT 01/29/01 12:15p 130,966 BMSC398_CBL.TXT 01/29/01 11:00a 330 BMSC398_CPY.TXT 01/29/01 12:44p 124,467 BMSC518_CBL.TXT 01/29/01 11:00a 330 BMSC518_CPY.TXT 01/29/01 12:44p 111,287 BMSC592_CBL.TXT 01/29/01 11:00a 330 BMSC592_CPY.TXT 01/29/01 12:44p 193,976 BMSC602_CBL.TXT 01/29/01 11:00a 1,302 BMSC602_CPY.TXT 01/29/01 12:44p 130,254 BMSC603_CBL.TXT 01/29/01 11:00a 330 BMSC603_CPY.TXT 01/29/01 12:14p 138,846 BMSC604_CBL.TXT 01/29/01 11:01a 330 BMSC604_CPY.TXT 01/29/01 12:28p 117,263 BMSC605_CBL.TXT 01/29/01 11:01a 330 BMSC605_CPY.TXT 01/29/01 12:27p 328,668 BMSC606_CBL.TXT 01/29/01 11:01a 330 BMSC606_CPY.TXT 01/29/01 12:15p 101,418 BMSC607_CBL.TXT 01/29/01 11:01a 330 BMSC607_CPY.TXT 01/29/01 10:39a 73,803 IMSC301_CBL.TXT 01/29/01 10:53a 46,777 IMSC301_CPY.TXT 01/29/01 10:39a 23,449 IMSC302_CBL.TXT 01/29/01 10:53a 8,159 IMSC302_CPY.TXT 01/29/01 10:39a 30,221 IMSC303_CBL.TXT 01/29/01 10:53a 14,128 IMSC303_CPY.TXT 01/29/01 10:39a 62,937 IMSC304_CBL.TXT 01/29/01 10:53a 40,417 IMSC304_CPY.TXT 01/29/01 10:39a 35,204 IMSC305_CBL.TXT 01/29/01 10:53a 18,042 IMSC305_CPY.TXT 01/29/01 10:39a 42,240 IMSC306_CBL.TXT 01/29/01 10:53a 27,845 IMSC306_CPY.TXT 01/29/01 10:39a 54,964 IMSC308_CBL.TXT 01/29/01 10:53a 36,148 IMSC308_CPY.TXT 01/29/01 10:39a 61,996 IMSC310_CBL.TXT 01/29/01 10:53a 40,517 IMSC310_CPY.TXT 01/29/01 04:44p 359,347 LMSC305_CBL.TXT 01/29/01 04:44p 359,429 LMSC309_CBL.TXT 01/29/01 04:52p 210,026 LMSC350_CBL.TXT 01/29/01 12:46p 114,054 LMSC351_CBL.TXT 01/29/01 10:47a 2,610 LMSC351_CPY.TXT 01/29/01 01:37p 101,195 LMSC360_CBL.TXT 01/29/01 12:37p 168,284 LMSC600_CBL.TXT 01/29/01 04:44p 23,909 LMSC602_CBL.TXT 01/29/01 12:37p 28,016 LMSC603_CBL.TXT 01/29/01 12:38p 33,163 LMSC604_CBL.TXT 01/29/01 12:38p 22,464 LMSC605_CBL.TXT 01/29/01 12:38p 21,301 LMSC606_CBL.TXT 01/29/01 12:38p 144,338 LMSC607_CBL.TXT 01/29/01 04:44p 111,911 RMSC301m.TXT 01/29/01 04:44p 47,627 RMSC302m.TXT 01/29/01 04:44p 65,115 RMSC303m.TXT 01/29/01 04:44p 88,736 RMSC304m.TXT 01/29/01 04:35p 59,224 RMSC305m.TXT 01/29/01 04:44p 68,814 RMSC306m.TXT 01/29/01 04:44p 97,072 RMSC308m.TXT 01/29/01 12:38p 223,681 SMSC301_CBL.TXT 01/29/01 10:58a 675 SMSC301_CPY.TXT 01/29/01 12:38p 89,057 SMSC302_CBL.TXT 01/29/01 10:58a 675 SMSC302_CPY.TXT 01/29/01 04:44p 129,411 SMSC303_CBL.TXT 01/29/01 12:38p 250,088 SMSC304_CBL.TXT 01/29/01 10:59a 672 SMSC304_CPY.TXT 01/29/01 04:44p 57,109 SMSC305_CBL.TXT 01/29/01 12:38p 197,292 SMSC306_CBL.TXT 01/29/01 12:38p 284,622 SMSC308_CBL.TXT 01/29/01 10:59a 1,641 SMSC308_CPY.TXT 01/29/01 04:44p 57,109 SMSC309_CBL.TXT 01/29/01 12:38p 147,371 SMSC310_CBL.TXT 01/29/01 10:59a 996 SMSC310_CPY.TXT Directory of D:\M-9381 US\SCRIPTS 01/31/01 03:30p <DIR> . 01/31/01 03:31p <DIR> .. 11/28/00 11:44a 14,383 Fstdev_SCP.TXT 01/29/01 10:35a 275,599 LNT_DEMO_SCP.TXT 01/29/01 10:35a 83,059 LNT_OPS_SCP.TXT 01/29/01 10:35a 67,790 LNT_USER_SCP.TXT 01/29/01 10:35a 149,283 Lnt_advanced_SCP.TXT 01/29/01 10:35a 280,531 Lnt_regntest_SCP.TXT 01/29/01 10:35a 46,957 Lnt_security_SCP.TXT 01/29/01 10:35a 285,104 Lnt_super_SCP.TXT 01/29/01 10:35a 15,897 NSK_OPS_SCP.TXT 01/29/01 10:35a 9,682 NSK_USER_SCP.TXT 01/29/01 10:35a 35,944 Nsk_advanced_SCP.TXT 01/29/01 10:35a 53,921 Nsk_regntest_SCP.TXT 01/29/01 10:35a 4,024 Nsk_security_SCP.TXT 01/29/01 10:35a 56,196 Nsk_super_SCP.TXT 10/24/00 08:24a 43,345 Pccase_SCP.TXT 01/29/01 10:35a 85,214 RNT_OPS_SCP.TXT 01/29/01 10:35a 69,866 RNT_USER_SCP.TXT 01/29/01 10:35a 151,510 Rnt_advanced_SCP.TXT 01/29/01 10:35a 282,853 Rnt_regntest_SCP.TXT 01/29/01 10:35a 49,010 Rnt_security_SCP.TXT 01/29/01 10:35a 287,425 Rnt_super_SCP.TXT Directory of D:\M-9381 US\SQL 01/31/01 03:31p <DIR> . 01/31/01 03:31p <DIR> .. 11/24/00 06:24p 3,616 Currency_Ref_Integ_Check_Execs_sql.txt 05/13/99 05:12p 993 Relate_Markets_To_Std_PriceHdrs_sql.txt 05/13/99 02:38p 2,297 Service_Ref_Integ_Check_Execs_sql.txt 12/22/00 10:18a 114,758 create_all_procs_sql.txt 01/11/01 03:57p 302,536 create_all_tables_sql.txt Directory of D:\M-9381 US\WEBAPP 01/31/01 03:35p <DIR> . 01/31/01 03:31p <DIR> .. 01/31/01 03:33p <DIR> FUNCS 04/30/99 05:38p 1,582 Fstgwy_asp.txt 01/31/01 03:33p <DIR> GENERAL 06/13/00 01:33p 972 Index_htm.txt 01/31/01 03:33p <DIR> SCRIPTS 01/31/01 03:34p <DIR> SCRNS 01/31/01 03:35p <DIR> STYLES Directory of D:\M-9381 US\WEBAPP\FUNCS 01/31/01 03:33p <DIR> . 01/31/01 03:35p <DIR> .. 01/29/01 11:20a 836 FUNC001_ASP.TXT 01/29/01 11:20a 966 FUNC012_ASP.TXT 01/29/01 11:20a 845 FUNC014_ASP.TXT 01/29/01 11:20a 955 FUNC016_ASP.TXT 01/29/01 11:20a 955 FUNC017_ASP.TXT 01/29/01 11:20a 855 FUNC019_ASP.TXT 01/29/01 11:20a 958 FUNC020_ASP.TXT 01/29/01 11:20a 964 FUNC022_ASP.TXT 01/29/01 11:20a 951 FUNC023_ASP.TXT 01/29/01 11:20a 961 FUNC024_ASP.TXT 01/29/01 11:20a 954 FUNC025_ASP.TXT 01/29/01 11:20a 962 FUNC026_ASP.TXT 01/29/01 11:20a 960 FUNC028_ASP.TXT 01/29/01 11:20a 963 FUNC050_ASP.TXT 01/29/01 11:20a 859 FUNC053_ASP.TXT 01/29/01 11:20a 969 FUNC054_ASP.TXT 01/29/01 11:20a 843 FUNC055_ASP.TXT 01/29/01 11:20a 854 FUNC056_ASP.TXT 01/29/01 11:20a 966 FUNC057_ASP.TXT 01/29/01 11:20a 965 FUNC070_ASP.TXT 01/29/01 11:20a 965 FUNC071_ASP.TXT 01/29/01 11:20a 973 FUNC072_ASP.TXT 01/29/01 11:20a 973 FUNC073_ASP.TXT 01/29/01 11:20a 970 FUNC074_ASP.TXT 01/29/01 11:20a 968 FUNC075_ASP.TXT 01/29/01 11:20a 964 FUNC076_ASP.TXT 01/29/01 11:20a 974 FUNC077_ASP.TXT 01/29/01 11:20a 977 FUNC078_ASP.TXT 01/29/01 11:20a 976 FUNC079_ASP.TXT 01/29/01 11:20a 954 FUNC103_ASP.TXT 01/29/01 11:20a 960 FUNC104_ASP.TXT 01/29/01 11:20a 953 FUNC106_ASP.TXT 01/29/01 11:20a 951 FUNC107_ASP.TXT 01/29/01 11:20a 949 FUNC114_ASP.TXT 01/29/01 11:20a 962 FUNC115_ASP.TXT 01/29/01 11:20a 952 FUNC116_ASP.TXT 01/29/01 11:20a 953 FUNC117_ASP.TXT 01/29/01 11:20a 852 FUNC118_ASP.TXT 01/29/01 11:20a 964 FUNC121_ASP.TXT 01/29/01 11:20a 970 FUNC122_ASP.TXT 01/29/01 11:20a 963 FUNC123_ASP.TXT 01/29/01 11:20a 961 FUNC124_ASP.TXT 01/29/01 11:20a 959 FUNC126_ASP.TXT 01/29/01 11:20a 972 FUNC127_ASP.TXT 01/29/01 11:20a 962 FUNC128_ASP.TXT 01/29/01 11:20a 963 FUNC129_ASP.TXT 01/29/01 11:20a 971 FUNC191_ASP.TXT 01/29/01 11:20a 967 FUNC192_ASP.TXT 01/29/01 11:20a 972 FUNC193_ASP.TXT 01/29/01 11:20a 967 FUNC194_ASP.TXT 01/29/01 11:20a 977 FUNC195_ASP.TXT 09/28/00 10:23a 847 FUNC310_ASP.TXT 01/29/01 11:20a 861 FUNC702_ASP.TXT 01/29/01 11:20a 867 FUNC703_ASP.TXT 01/29/01 11:20a 859 FUNC704_ASP.TXT 01/29/01 11:20a 953 FUNC706_ASP.TXT 01/29/01 11:20a 969 FUNC707_ASP.TXT 01/29/01 11:20a 847 FUNC708_ASP.TXT 01/29/01 11:20a 849 FUNC709_ASP.TXT 01/29/01 11:20a 852 FUNC710_ASP.TXT 01/29/01 11:20a 846 FUNC711_ASP.TXT 01/29/01 11:20a 969 FUNC712_ASP.TXT 01/29/01 11:20a 957 FUNC713_ASP.TXT 01/29/01 11:20a 967 FUNC714_ASP.TXT 01/29/01 11:20a 957 FUNC715_ASP.TXT 01/29/01 11:20a 977 FUNC722_ASP.TXT 01/29/01 11:20a 963 FUNC723_ASP.TXT 01/29/01 11:20a 977 FUNC724_ASP.TXT 01/29/01 11:20a 966 FUNC725_ASP.TXT 01/29/01 11:20a 968 FUNC726_ASP.TXT 01/29/01 11:20a 971 FUNC727_ASP.TXT 01/29/01 11:20a 978 FUNC729_ASP.TXT 01/29/01 11:20a 965 FUNC730_ASP.TXT 01/29/01 11:20a 971 FUNC731_ASP.TXT 01/29/01 11:20a 967 FUNC732_ASP.TXT 01/29/01 11:20a 964 FUNC733_ASP.TXT 01/29/01 11:20a 967 FUNC734_ASP.TXT 01/29/01 11:20a 862 FUNC741_ASP.TXT 01/29/01 11:20a 868 FUNC742_ASP.TXT 01/29/01 11:20a 858 FUNC743_ASP.TXT 01/29/01 11:20a 860 FUNC744_ASP.TXT 01/29/01 11:20a 863 FUNC745_ASP.TXT 01/29/01 11:20a 860 FUNC746_ASP.TXT 01/29/01 11:20a 866 FUNC747_ASP.TXT 01/29/01 11:20a 856 FUNC748_ASP.TXT 01/29/01 11:20a 858 FUNC749_ASP.TXT 01/29/01 11:20a 861 FUNC750_ASP.TXT 01/29/01 11:20a 861 FUNC751_ASP.TXT 01/29/01 11:20a 857 FUNC752_ASP.TXT 01/29/01 11:20a 858 FUNC753_ASP.TXT 01/29/01 11:20a 856 FUNC754_ASP.TXT 01/29/01 11:20a 857 FUNC755_ASP.TXT 01/29/01 11:20a 846 FUNC764_ASP.TXT 01/29/01 11:20a 846 FUNC765_ASP.TXT 01/29/01 11:20a 848 FUNC766_ASP.TXT 01/29/01 11:20a 866 FUNC801_ASP.TXT 01/29/01 11:20a 869 FUNC802_ASP.TXT 01/29/01 11:20a 869 FUNC803_ASP.TXT 01/29/01 11:20a 861 FUNC804_ASP.TXT 01/29/01 11:20a 864 FUNC805_ASP.TXT 01/29/01 11:20a 868 FUNC806_ASP.TXT 01/29/01 11:20a 867 FUNC807_ASP.TXT 01/29/01 11:20a 859 FUNC808_ASP.TXT 01/29/01 11:20a 975 FUNC809_ASP.TXT 01/29/01 11:20a 978 FUNC810_ASP.TXT 01/29/01 11:20a 978 FUNC811_ASP.TXT 01/29/01 11:20a 969 FUNC812_ASP.TXT 01/29/01 11:20a 970 FUNC813_ASP.TXT 01/29/01 11:20a 865 FUNC814_ASP.TXT 01/29/01 11:20a 867 FUNC815_ASP.TXT 01/29/01 11:20a 862 FUNC816_ASP.TXT 01/29/01 11:20a 869 FUNC817_ASP.TXT 01/29/01 11:20a 868 FUNC818_ASP.TXT 01/29/01 11:20a 859 FUNC819_ASP.TXT 01/29/01 11:20a 860 FUNC820_ASP.TXT 01/29/01 11:20a 961 FUNC899_ASP.TXT Directory of D:\M-9381 US\WEBAPP\GENERAL 01/31/01 03:33p <DIR> . 01/31/01 03:35p <DIR> .. 06/17/99 02:09p 5,428 Implicit_asp.txt 06/15/99 01:47p 532 LGNERR_asp.txt 05/19/00 03:56p 11,056 Splash_asp.txt 05/18/00 12:37p 4,554 copyright_htm.txt 12/05/00 06:38p 15,911 counter_htm.txt 05/19/00 11:25a 1,798 intranetdenied_htm.txt 12/05/00 05:13p 4,059 intranethomepage_asp.txt 05/49/00 11:25a 1,913 intranetieonly_htm.txt 07/06/00 02:24p 3,764 logon_asp.txt 01/29/01 11:20a 16,715 menu_asp.txt 05/08/00 02:59p 2,621 preload_htm.txt Directory of D:\M-9381 US\WEBAPP\SCRIPTS 01/31/01 03:33p <DIR> . 01/31/01 03:35p <DIR> .. 11/20/00 11:43a 6,937 DTL01_SCP.TXT 11/20/00 01:29p 27,297 DTL02_SCP.TXT 06/22/99 11:23a 5,381 DTL03_SCP.TXT 09/18/00 03:28p 210 DTL11_SCP.TXT 09/29/00 11:02a 6,528 DTL12_SCP.TXT 10/12/00 05:03p 10,462 DTL21_INC.TXT 07/30/99 10:37a 577 access_inc.txt 10/12/00 02:02p 536 applid_js.txt 10/12/00 02:02p 525 applid_scp.txt 06/22/99 10:41a 852 brzlib_js.txt 03/26/99 03:59p 400 dtlmnu_scp.txt 01/29/01 11:20a 19,869 function_scp.txt 06/15/99 01:51p 4,389 general_scp.txt 06/24/99 10:46p 620 jetest_inc.txt 01/29/01 11:20a 2,087 implicit_scp.txt 07/06/00 09:17a 4,815 intranetlogon_inc.txt 10/05/00 10:26a 1,005 intranetlogon_lst.txt 06/15/99 01:52p 206 parkingspot_scp.txt 06/07/99 10:29a 318 preload_scp.txt Directory of D:\M-9381 US\WEBAPP\SCRNS 01/31/010 03:34p <DIR> . 01/31/010 03:35p <DIR> .. 01/29/01 11:20a 2,258 scrn000_HTM.TXT 01/29/01 11:20a 4,135 scrn001_HTM.TXT 01/29/01 11:20a 6,757 scrn002_HTM.TXT 01/29/01 11:20a 7,939 scrn007_HTM.TXT 01/29/01 11:20a 52,553 scrn011_HTM.TXT 01/29/01 11:20a 12,476 scrn012_HTM.TXT 01/29/01 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scrn104_HTM.TXT 01/29/01 11:20a 24,506 scrn106_HTM.TXT 01/29/01 11:20a 12,292 scrn111_HTM.TXT 01/29/01 11:20a 15,028 scrn112_HTM.TXT 01/29/01 11:20a 17,741 scrn140_HTM.TXT 01/29/01 11:20a 9,836 scrn141_HTM.TXT 01/29/01 11:20a 40,463 scrn142_HTM.TXT 01/29/01 11:20a 13,301 scrn143_HTM.TXT 01/29/01 11:20a 9,975 scrn186_HTM.TXT 01/29/01 11:20a 20,287 scrn190_HTM.TXT 01/29/01 11:20a 22,630 scrn191_HTM.TXT 01/29/01 11:20a 36,172 scrn192_HTM.TXT 01/29/01 11:20a 118,630 scrn193_HTM.TXT 01/29/01 1 1:20a 20,610 scrn194_HTM.TXT 01/29/01 11:20a 42,586 scrn196_HTM.TXT 01/29/01 11:20a 31,063 scrn199_HTM.TXT 01/29/01 11:20a 42,613 scrn301_HTM.TXT 01/29/01 11:20a 5,059 scrn302_HTM.TXT 01/29/01 11:20a 15,551 scrn303_HTM.TXT 01/29/01 11:20a 51,827 scrn304_HTM.TXT 01/29/01 11:20a 24,470 scrn305_HTM.TXT 01/29/01 11:20a 27,070 scrn306_HTM.TXT 01/29/01 11:20a 46,332 scrn308_HTM.TXT 01/29/01 11:20a 53,218 scrn310_HTM.TXT 01/29/01 11:20a 30,568 scrn701_HTM.TXT 01/29/01 11:20a 45,497 scrn702_HTM.TXT 01/29/01 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US\WEBAPP\STYLES 01/31/01 03:35p <DIR> . 01/31/01 03:35p <DIR> .. 04/12/99 12:09p 332 props_css.txt 06/22/99 11:19a 844 scrns_css.txt Total Files Listed:    866 File(s) 41,467,133 bytes

The contents of the compact disk are a part of the present disclosure, and are incorporated by reference herein in their entireties.

COPYRIGHT NOTICE

A portion of the disclosure of this patent document contains material that is subject to copyright protection. The copyright owner has no objection to the facsimile reproduction by anyone of the patent document or the patent disclosure as it appears in the Patent and Trademark Office patent file or records, but otherwise reserves all copyright rights whatsoever.

BACKGROUND

1. Field

The present invention relates generally to pricing systems and, in particular, to a system and method of real-time pricing.

2. Description of the Related Art

Many products and services are commodities that are sold in very competitive markets. New competition can also come, for example, from product and service improvements, new products, new services, lower prices, new technology, the use of the Internet, mergers, and acquisitions. Pricing is often a major factor in a customer's decision as to what product or service to purchase or use. In many markets, the capability to manage pricing strategies better than the competition can be the competitive advantage that is needed to succeed in the competitive market.

Many different pricing strategies have been developed by companies to gain a competitive advantage over the competition. One such strategy employed by companies is “volume discounting.” Companies provide volume discounts to influence consumers to purchase its products and services. Volume discounting affords the benefits of a large number or quantity of purchases, typically within a set period of time (e.g., a billing cycle). A consumer benefits from his or her prior purchases in that all the purchases in a billing cycle are considered in applying the volume discount.

Because the total volume of products or services purchased by a consumer is not known until the end of a billing cycle, the volume discount, and as a result, the actual price of the product or service as it applies to the consumer, cannot be determined until the end of a billing cycle. Thus, even though pricing may be a major or deciding factor in a consumer's decision, currently, the benefit afforded by volume discounting is determined at the end of a billing cycle. At the time the consumer considers making a product or service purchase, the consumer is provided a price that fails to account for volume discounting and, as a result, is likely higher than the price the consumer might end up paying.

Thus, the consumer is likely to base his or her purchasing decision on an incorrect price, such as, by way of example, a unit price (e.g., a price that does not take into consideration volume discounting). A company can benefit greatly by being able to provide a price that is closer to the actual price the consumer is likely to pay after accounting for the volume discounts, especially if it is a lower price. Therefore, what is needed is an infrastructure that enables a company to manage its pricing strategies and to provide a price that is more indicative of the price the consumer will ultimately pay.

SUMMARY

The present disclosure is directed to a system and corresponding methods that facilitate the calculation of a real-time price for a transaction during a billing cycle that accounts for volume discounts resulting from transactions that occurred previously during the billing cycle. A data processing system maintains a record of the transactions that occur during a billing cycle. The data processing system then calculates a real-time price quote for the transaction by applying volume discounts resulting from the transactions that previously occurred during the billing cycle.

For purposes of summarizing the invention, certain aspects, advantages, and novel features of the invention have been described herein. It is to be understood that not necessarily all such advantages may be achieved in accordance with any one particular embodiment of the invention. Thus, the invention may be embodied or carried out in a manner that achieves or optimizes one advantage or group of advantages as taught herein without necessarily achieving other advantages as may be taught or suggested herein.

In one embodiment, a method for pricing transactions in real-time includes: receiving a request for a real-time price quote for a transaction from a first account, the request being received at a first instance in time during a billing cycle; determining a first production service, the first production service being a component of the transaction; determining a count of first production service instances representing the first production service in the received transaction; determining a billable entity for the transaction, the billable entity comprising one or more related accounts, wherein the related accounts includes the first account; determining a total of the first production service instances purchased by the related accounts during the billing cycle up to the first instance in time, the total including the count of the first production service instances in the received transaction; determining a price applicable to the total of the first production service instances based on a pricing method; and apportioning the price to the received transaction based on the count of the first production service instance in the received transaction.

In another embodiment, a method for real-time pricing includes: receiving a request for a real-time price quote for a transaction, the request being received at a first instance in time during a billing cycle, wherein the transaction comprises a number of first production service instances, each first production service instance representing a first production service; determining a total count of production service instances consumed during the billing cycle up to the first instance in time based on a pricing relationship; determining a billing service appropriate for the first production service; calculating a price for the first production service from a price table based on a first attribute for the billing service and the total count of production service instances consumed; and apportioning the price to the received transaction based on the number of first production service instances in the transaction.

In still another embodiment, a computer-readable storage medium has stored thereon computer instructions that, when executed by a computer, cause the computer to: receive a request for a real-time price quote for a transaction, the request being received at a first instance in time during a billing cycle, wherein the transaction comprises a number of first production service instances, each instance representing a first production service; determine a total count of production service instances consumed during the billing cycle up to the first instance in time based on a pricing relationship; determine a billing service appropriate for the first production service; calculate a price for the first production service from a price table based on a first attribute for the billing service and the total count of production service instances consumed; and apportion the price to the received transaction based on the number of first production service instances in the transaction.

These and other embodiments of the present invention will also become readily apparent to those skilled in the art from the following detailed description of the embodiments having reference to the attached figures, the invention not being limited to any particular embodiment(s) disclosed.

BRIEF DESCRIPTION OF THE DRAWINGS

FIG. 1 illustrates a flow chart of an exemplary method for calculating a real-time price with volume discounting.

FIG. 2 illustrates a flow chart of an exemplary method for calculating a variance to a real-time price with volume discounting.

DETAILED DESCRIPTION

According to this invention, certain limitations imposed by conventional pricing systems have been overcome.

A data processing system and corresponding methods, according to an embodiment of the present invention, facilitates a real-time pricing of a transaction with volume discounting. “Transaction” here generally refers to a product or service that is offered by a provider (e.g., manufacturer, retailer, wholesaler, distributor, service provider, etc.) for consumption by one or more consumers. In one embodiment, the provider may be the operator of the data processing system. In another embodiment, the provider may purchase the services offered by the data processing system as disclosed herein from the operator or administrator of the data processing system (e.g., the provider of the transaction is different from the provider of the data processing system services).

In one embodiment, the data processing system receives during a billing cycle a request for a real-time price quote for a transaction from, for example, an account. The account may be a consumer of the transaction. The billing cycle specifies a time duration (e.g., day, week, month, quarter, year), at the end of which the account is billed for the transactions consumed or purchased during the billing cycle.

The data processing system analyzes the transaction to determine the transaction's various components. The transaction provider may define the components of the transaction. The conversion of the transaction into its components allows the transaction provider to determine the cost of the transaction, in component parts, which in turn, enable the transaction provider to determine an appropriate price for the transaction. A suitable database system for implementing the transaction analysis in accordance with the present invention is described in U.S. Pat. No. 6,052,672, entitled “DATA PROCESSING SYSTEM FOR COMPLEX PRICING AND TRANSACTIONAL ANALYSIS,” which is hereby incorporated by reference in its entirety. However, other database systems can be used to implement a data processing system using the principles described herein.

In one embodiment, the data processing system calculates a real-time price for the transaction during a billing cycle as if it was the end of the billing cycle. The data processing system breaks down the transaction into its component parts. The component parts are then priced by applying a volume discount applicable to each component to determine a real-time price for each component. The data processing system then totals the real-time price of the components to determine the real-time price of the transaction.

The volume discount for a component may result from pricing relationships between parties (e.g., relationships between a number of components, accounts, customers, etc.) and the prior purchases of the component during the billing cycle up to this time by the parties in the pricing relationship. The data processing system applies the volume discount applicable to a component to determine the price of the component. Thus, the data processing system applies all the relationship pricing and volume discounting known during the billing cycle up to the time when it received the request for quote to determine the real-time price of the transaction.

In another embodiment, the data processing system calculates a variance to the real-time transaction price. At the end of the billing cycle, the data processing system calculates a price for each transaction purchased during the billing cycle. In one embodiment, the data processing system calculates a price for the transaction by determining a price for each component of a transaction in the manner outlined above. This price is then compared to the real-time price quoted during the billing cycle (e.g., at the time the request for real-time price quote is received). If there is a variance or difference between the two prices, the data processing system may make or report adjustments as necessary. For example, there may have been subsequent purchases of a component of the transaction after the time of providing the real-time price quote. The subsequent purchases of the component may result in a larger volume discount, which, in turn, causes a variance in price (e.g., results in a lower price for the transaction).

Even though this invention is suitable to providing real-time pricing of various products and services in many industries (e.g., financial services, internet services, telecommunication services, etc.), the invention will be further disclosed in the context of the data processing system providing real-time pricing with volume discounting of financial products offered by a financial services company (FSC), such as, retail bank, wholesale bank, corporate bank, and investment bank.

Embodiments of the present invention are understood by referring to FIGS. 1-2 of the drawings. Throughout the drawings, components that correspond to components shown in previous figures are indicated using the same reference numbers.

The detailed description that follows is presented in terms of processes and symbolic representations of operations performed by conventional computers.

Transaction Overview

A transaction instance (e.g., financial transaction instance) takes place when a FSC provides a financial service and when a client or consumer purchases or consumes the financial service. For example, an FSC may provide one or more financial services that are bundled together and offered to clients as financial transactions. Examples of financial transactions are checking accounts, cash management accounts, mortgages, funds transfers, safe deposit boxes, and the like.

In one embodiment, an FSC can use the data processing system to provide a real-time pricing of one or more financial transactions. Each financial transaction is defined in the data processing system in its component parts called production services. Thus, a financial transaction is related to the production services that map to or make up the financial transaction. The production services defining a particular financial transaction are the individual actions that the FSC performs or that the FSC wishes to account for in performing or processing the financial transaction. Production services for a financial transaction may include, by way of example, debit from an account, credit to an account, over draft approval, and computer connection. Production services are akin to a bill of materials for a manufacturer in that each transaction can be defined by the production services that are required to build or provide that transaction.

For clarity, the language of U.S. Pat. No. 6,052,672 is used herein. In particular, to distinguish an actual occurrence of a financial transaction performed by an FSC from a representation of the financial transaction in the data processing system, the actual occurrence of the financial transaction will be referred to as a financial transaction instance. Similarly, a production service instance is the representation of an actual occurrence of a specific production service performed by the FSC.

A production service is further defined in the data processing system in its component parts called billing or billable services. Billing services and billable service are used interchangeably herein. The billable services are related to activities having a cost or price, enabling the FSC to determine the cost of providing the financial transaction and the fees or prices the FSC is going to derive, earn, or charge the consumer (e.g., account) of the transaction. In one embodiment, the billable services are what appear on an accounting statement sent to the consumer. Thus, the consumer is informed of the transactions consumed, the related production services consumed, the related billable services consumed, and the price charged for each of the billable services.

A billable service may be mapped to one or more price tables in the data processing system. The cost and/or price associated with a billable service is recorded in a price table. The price table includes pricing rules for the associated billable service.

The data processing system maintains records for one or more billable entities. “Billable entity” here generally refers to a grouping of accounts for the purpose of applying volume discounting. Volume discounting may span the activity of the accounts within the billable entity. An account may be thought of as the consumer of the transaction. For example, a customer may actually be many companies or related companies that may be transacting with the FSC on one or more accounts. The billable entity is a composition of the accounts without regard to who the customers are, or whether one customer is involved or more than one customers are involved. Thus, volume discounting may span the activity of the accounts within a particular billable entity without regard to who the actual customers are or the number of customers involved in the billable entity.

In one embodiment, the data processing system provides for relationship pricing in conjunction with volume discounting. A pricing relationship may exist between a number of billable services, accounts, customers, and the like. For relationship pricing, the billable services, accounts, or customers in a relationship are factored in calculating a real-time price for a transaction. Relationship pricing in conjunction with volume discounting is an application of the volume discount based on the activities of the elements (i.e., billable services, accounts, customers) in a particular pricing relationship.

For example, as explained above, a group of accounts may be grouped together in a billable entity, creating a pricing relationship for the purposes of applying a volume discount. In another example, a group of billable services may be grouped together, creating a pricing relationship for the purposes of applying a volume discount. The volume discount is determined from the activity of the billable services within the group across all accounts in a particular billing entity. In still another example, a pricing relationship can exist for a group of accounts (e.g., not a complete billing entity) for a particular billable service. The volume discount is determined from the activity of the particular billing service across the group of accounts.

Billable services, pricing of billable services, pricing relationships, and relationship pricing is further described in U.S. Pat. No. 6,052,672. Pricing methods, including volume discounting is further described in the co-pending and commonly owned U.S. patent application Ser. No. 09/183/335 entitled “DATA PROCESSING SYSTEM FOR PRICING, COSTING AND BILLING OF FINANCIAL TRANSACTIONS.”

Method for Calculating a Real-Time Price with Volume Discounting

In one embodiment, the data processing system facilitates the calculation of a real-time price for a financial transaction with volume discounting at any time in a billing cycle. The data processing system contains data and program logic to receive a request to provide a real-time price quote for a financial transaction and calculates a real-time price that includes applicable volume discounts. The data processing system calculates the real-time price for the financial transaction irrespective of point in time within a particular billing cycle. The volume discounting is determined from pricing relationships provided by the data processing system.

FIG. 1 illustrates a flow chart of an exemplary method 100 for calculating a real-time price of a financial transaction with volume discounting. Beginning at a start step 102, an FSC creates and defines the financial transactions and the mapping rules for the transactions, including the production services and the billing services, as maintained in the data processing system. The FSC also creates and defines the billing entities, accounts, pricing relationships, etc. maintained in the data processing system.

For example, the FSC defines a “wire transfer” as one financial transaction. The wire transfer is mapped to include three production services: “debit from account,” “credit to account,” and “overdraft protection.” Each of the production services is mapped to a respective billable service, and each billable service is respectively mapped to a price table. The FSC may create a billing entity to include four accounts: “Account A,” “Account B,” “Account C,” and “Account D.” Accounts A and B belong to Company ABC, and Accounts C and D belong to Company XYZ. The FSC sets a monthly billing cycle for the billing entity.

Furthermore, the FSC may agree to and create a pricing relationship for Accounts A, B, and C for the overdraft protection service. The pricing relationship entitles Accounts A, B, and C to the following volume discounting for the overdraft protection service:

Quantity 1 to 20 $4.00/each Quantity 21 to 50 $3.00/each Quantity 51 to 100 $2.00/each Quantity 100+ $1.00/each Thus, if the combined volume of overdraft protections used or purchased by the group of accounts in the pricing relationship (Accounts A, B, and C) exceed twenty, all the volume of overdraft protections purchased is priced at $3.00 each. Likewise, if the combined volume of overdraft protections purchased by the group of accounts in the pricing relationship exceed fifty or one hundred, all the volume of overdraft protections purchased is priced at $2.00 each or $1.00 each, respectively. Otherwise, the first twenty overdraft protections are priced at $4.00 each.

At step 104, the FSC receives a request for a real-time price quote for a financial transaction from a customer. Typically, the customer establishes one or more accounts with the FSC, and specifies a particular account in requesting the real-time quote for the financial transaction. In particular, the financial transaction data and the request for the real-time price quote is input into, and received by the data processing system. Continuing the wire transfer example, Company ABC, using Account A, may request a real-time price quote for a wire transfer. The request may have been submitted during a billing cycle, for example, the tenth day of the month.

At step 106, the data processing system performs transaction analysis on the financial transaction to determine the associated production services. In the above example, the data processing system determines that the wire transfer maps to, and is associated with the debit from account, credit to account, and overdraft protection production services.

At step 108, the data processing system determines if there is a production service to process or if it has processed all the production services. If there is a production service to process, the data processing system identifies the production service and determines the appropriate billable services associated with the identified production service at step 110. A production service may map to one or more billable services. Continuing the above example, the data processing system may start by processing the overdraft protection production service (step 108). The data processing system then determines that the overdraft protection service maps to a single billable service (step 110).

At step 112, the data processing system determines if there is a billable service to process. If all the billable services for the production service have been processed, the data processing system returns to step 108 to process the next production service. If there is a billable service to process, the data processing system identifies the billable service and determines the billing entity (i.e., billable entity) for the billable service at step 114. Continuing the above example, the data processing system determines that for the overdraft protection service, it has to process the associated billable service (step 112) and that the billing entity includes Accounts A, B, C, and D (step 114).

At step 116, the data processing system determines if there is a pricing relationship established for the billable service. Continuing the above example, the data processing system determines that a pricing relationship exists between Accounts A, B, and C for the overdraft protection service. Thus, for the billable service associated with the overdraft protection service requested by Account A, an applicable pricing relationship exists.

At step 118, the data processing system determines the total count of the billable service consumed or purchased by the accounts in the pricing relationship. The data processing system maintains a record of the number of the number of billable service instances purchased by the accounts in the pricing relationship. Continuing the above example, the data processing system determines the number of billable service instances purchased by Accounts A, B, and C up to this point (i.e., tenth day) in the current billing cycle. For example, in this current billing cycle, a total of fifty overdraft protections may have been purchased (none by Account A, twenty by Account B, and thirty by Account C). Thus, the current overdraft protection would be the fifty-first purchased in the current billing cycle.

At step 120, the data processing system calculates a price for the billable service from an associated price table based on the total number of billable service instances. The data processing system applies any applicable volume discount resulting from the billable service instances purchased by the accounts in the pricing relationship. Continuing the above example, the data processing system determines from the price table for the billable service associated with the overdraft protection service that the fifty-first overdraft protection instance purchased results in all the overdraft protection instances purchased by the group of accounts in the pricing relationship to be priced at $2.00 each. Thus, fifty-one overdraft protection instances is priced at a total price of $102.00.

At step 122, the data processing system apportions the portion of the total price for the billable service instances to the current billable service being processed. Continuing the above example, the data processing system apportions a price of $2.00 ( 1/51 of the total price of $102.00) to the current billable service associated with the overdraft protection. Thus, the current billable service associated with the overdraft protection is priced at $2.00. Thus, Account A benefits from the billable service instances purchased by Accounts B and C. Company ABC (Account A) receives a volume discount as a result of purchases made by Company XYZ (Account C). The data processing system then returns to step 112 to continue processing the next billable service associated with the overdraft protection service.

The data processing system processes the other production services (i.e., debit from account and credit to account) associated with the financial transaction (i.e., wire transfer) in the manner described above. If, at step 108, all the production services for the financial transaction have been processed, the data processing system calculates the real-time price quote for the requested financial transaction at step 124. The financial transaction price is determined by summing the prices of the associated billable services. The data processing system provides the real-time price quote and ends at step 126.

Those of ordinary skill in the art will appreciate that, for this and other methods disclosed herein, the functions performed in the exemplary flow charts may be implemented in differing order. Furthermore, steps outlined in the flow charts are only exemplary, and some of the steps may be optional, combined into fewer steps, or expanded into additional steps without detracting from the essence of the invention.

Method for Calculating a Variance to a Real-Time Price

In one embodiment, the data processing system recalculates the price for the financial transactions and the associated billable services at the end of the billing cycle to account for and accommodate changes that occurred during a billing cycle. The recalculation may result in a variance to the real-time price quoted and charged for a financial transaction to an account during the billing cycle. A variance to the price may result from reasons such as, by way of example, a change to a billing entity resulting in a change in applicable price table(s), a change to an allocation of an account to different departments or market segments resulting in a change in applicable price table(s), a new price becoming effective during a billing cycle, a change in a pricing relationship, additional financial transactions purchased during a billing cycle, and the like. The data processing system may report the variances between the real-time price and the end-of-billing cycle price to the FSC, for example, as either discounts or adjustments.

FIG. 2 illustrates a flow chart of an exemplary method 200 for calculating a variance to a real-time price with volume discounting. Beginning at a start step 202, the data processing system identifies the financial transactions that occurred during the prior billing cycle. The data processing system may perform a transaction analysis for each financial transaction and determine the associated production services and billable services.

At step 204, the data processing system performs an end-of-billing cycle pricing for each billable service instance that occurred during the just ended billing cycle. In particular, the data processing system, for each billable service instance, determines the account that purchased the billable service instance. The data processing system identifies any applicable pricing relationships for the account. For example, there may have been a change in the pricing relationship. Continuing the above wire transfer example, the pricing relationship may have been changed during the billing cycle to include Account D, and Account D may have purchased forty overdraft protections during the billing cycle.

The data processing system determines an end-of-billing cycle count of the total number of billable service instances purchased by the accounts during the recently ended billing cycle. Continuing the above wire transfer example, between the tenth day of the billing cycle and the end of the billing cycle, Account A may have purchased an additional nine-teen overdraft protection services, for a total of twenty, at a price of $2.00 each. Thus, the accounts in the pricing relationship at the end of the billing cycle (Accounts A, B, C, and D) purchased a total of one hundred and ten overdraft protection services (twenty by Account A, twenty by Account B, thirty by Account C, and forty by Account D).

At step 206, the data processing system calculates an end-of-billing cycle price for the billable service instances purchased during the billing cycle from the associated price table based on the end-of-billing cycle count. Continuing the above example, the data processing system determines from the price table that at a volume of one hundred and ten overdraft protection services, all the overdraft protection instances purchased by the accounts in the pricing relationship should be charged $1.00 each. Thus, the one hundred and ten overdraft protection instances is priced at a total of $110.00.

At step 208, the data processing system modifies the price apportioned to the billable service based on the end-of-billing cycle price. The data processing system calculates the variance between the real-time price quoted and charged for each billable service instance and the end-of-billing cycle price for the billable service instance. Continuing the above example, the data processing system determines that Account A was charged a total price of $40.00 ($2.00 for each overdraft protection service) for the twenty overdraft protection service instances purchased during the billing cycle. The data processing system calculates the end-of-billing cycle price for the twenty overdraft protection service instances purchased by Account A to be $20.00 ($1.00 for each overdraft protection service). Thus, there is a variance of $20.00 for the twenty overdraft protections service instances purchased by Account A.

The data processing system calculates the variance for the remaining billable services and ends at step 210. In one embodiment, the data processing system generates a report to the FSC to report the end-of-billing cycle pricing. The report may include the calculated variances for each billable service, financial transaction, account, billing entity, etc. Thus, the data processing system efficiently adjusts to and incorporated changes to the billing parameters that occur during a billing cycle.

In one embodiment, a price variance may result from a change to an allocation of an account to a different department or market segment. This may result in a change to one or more applicable price tables for a billable service. The change the applicable price tables may affect the volume discount calculation and any applicable exception pricing calculation. Implementation of exception pricing is described in U.S. Pat. No. 6,052,672.

As described herein, the present invention in at least one embodiment facilitates a real-time pricing of a financial transaction during a billing cycle that accounts for applicable volume discounts. One embodiment of the present invention provides a data processing system that receives and processes a request to provide a real-time price quote for a financial transaction. The data processing system maintains a record of the billable service instances purchased during the billing cycle, and is able to account for applicable volume discounts in calculating a real-time price quote for the financial transaction at any instance in time during the billing cycle.

In at least one embodiment, the data processing system maintains a record of one or more pricing relationships. A pricing relationship may include one or more accounts, one or more services, or a combination or one or more accounts and services. The data processing system maintains a record of the billable service instances purchased by the accounts in an applicable pricing relationship, and is able to account for the applicable volume discounts resulting from the pricing relationship in calculating a real-time price quote for the financial transaction during the billing cycle.

In at least one embodiment, the data processing system performs an end-of-billing period price calculation to identify variances to the real-time price quotes generated during the billing cycle. The calculated variances are reported to the FSC as discounts or adjustments to the price of the financial transactions. The data processing system permits changes to be made during a billing cycle, and the changes are reflected in the previously calculated and quoted real-time prices.

This invention may be provided in other specific forms and embodiments without departing from the essential characteristics as described herein. The embodiments described above are to be considered in all aspects as illustrative only and not restrictive in any manner. The following claims rather than the foregoing description indicate the scope of the invention. 

1. A method for pricing transactions in real-time, the method comprising: receiving by a computerized data processing system a request for a real-time price quote for a transaction of a first account, the request being received at a first instance in time during a billing cycle; said data processing system determining a first production service, the first production service being a component of the transaction; said data processing system determining a count of first production service instances representing the first production service in the transaction; said data processing system determining a billable entity for the transaction, the billable entity comprising one or more related accounts, wherein the one or more related accounts includes the first account; said data processing system determining a total of the first production service instances associated with the one or more related accounts during the billing cycle up to the first instance in time, the total including the count of the first production service instances in the transaction; said data processing system determining a price applicable to the total of the first production service instances based on a pricing method; and said data processing system apportioning the price to the transaction based on the count of the first production service instances in the transaction.
 2. The method of claim 1, wherein the pricing method is “flat fee”.
 3. The method of claim 1, wherein the pricing method is “minimum revenue”.
 4. The method of claim 1, wherein the pricing method is “tiering”.
 5. The method of claim 1, wherein the pricing method is “volume discounts”.
 6. The method of claim 1 further comprising: determining a billable service related to a pricing of the first production service; and determining a price table related to the transaction, the price table containing a price for the billable service.
 7. The method of claim 1 further comprising: calculating a variance to the price comprising: determining an end-of-period total of the first production service instances associated with the one or more related accounts during the billing cycle; based on the pricing method, determining an end-of-period price applicable to the end-of-period total of the first production service instances; and based on the end-of-period price, modifying the first price apportioned to the transaction.
 8. The method of claim 1 further comprising: determining one or more related production services, each of the one or more related production services being related to the first production service; determining a count of related production service instances representing the number of related production services associated with the one or more related accounts during the billing cycle up to the first instance in time, the count of the related production service instances including the count of the first production service instances in the transaction; based on the pricing method, determining a related production service price applicable to the count of the related production service instances; and based on the count of the first production service instances in the transaction, apportioning the related production service price to the transaction.
 9. A method for real-time pricing comprising: receiving by a computerized data processing system a request for a real-time price quote for a transaction, the request being received at a first instance in time during a billing cycle, wherein the transaction comprises a number of first production service instances, each first production service instance relating to a first production service; based on a pricing relationship said data processing system, determining a total count of production service instances consumed during the billing cycle up to the first instance in time; said data processing system determining a billable service appropriate for the first production service; said data processing system calculating a price for the first production service from a price table based on a first attribute for the billable service and the total count of production service instances consumed; and said data processing system apportioning the price to the transaction based on the number of first production service instances in the transaction.
 10. The method of claim 9 further comprising creating a record of the transaction.
 11. The method of claim 9 further comprising creating the first production service, the first production service being a component of the transaction.
 12. The method of claim 9, wherein the transaction is to be carried out for a customer, and wherein the method further comprises creating the pricing relationship, the pricing relationship related to the first production service and to the customer.
 13. The method of claim 9 further comprising creating the billable service related to a pricing of the first production service.
 14. The method of claim 9 further comprising creating the price table related to the transaction, the price table containing the first attribute for the billable service.
 15. The method of claim 9, wherein the pricing relationship relates to a billable entity.
 16. The method of claim 9, wherein the pricing relationship relates to one or more related accounts.
 17. The method of claim 9, wherein the pricing relationship relates to one or more related production services.
 18. The method of claim 9, wherein the total count of production service instances consumed comprises a count of the first production service instances consumed.
 19. The method of claim 9, wherein the total count of production service instances consumed comprises a count of production service instances consumed in one or more related accounts.
 20. The method of claim 9, wherein the first attribute comprises a pricing method.
 21. The method of claim 20, wherein the pricing method is “flat fee”.
 22. The method of claim 20, wherein the pricing method is “minimum revenue”.
 23. The method of claim 20, wherein the pricing method is “tiering”.
 24. The method of claim 20, wherein the pricing method is “volume discounts”.
 25. The method of claim 9 further comprising: calculating a variance to the calculated price comprising: based on the pricing relationship, determining an end-of-period count of production service instances consumed during the billing cycle; calculating an end-of-period price for the first production service from the price tables based on the first attribute for the billable service and the end-of-period count of production service instances consumed; and based on the end-of-period price, modifying the price apportioned to the transaction.
 26. A computer-readable storage medium having stored thereon computer instructions that, when executed by a computer, cause the computer to: receive a request for a real-time price quote for a transaction, the request being received at a first instance in time during a billing cycle, wherein the transaction comprises a number of first production service instances, each first production service instance a first production service; based on pricing relationship, determine a total count of production service instances consumed during the billing cycle up to the first instance in time; determine a billable service appropriate for the first production service; calculate a price for the first production service from a price table based on a first attribute for the billable service and the total count of production service instances consumed; apportion the price to the transaction based on the number of first production service instances in the transaction; and provide the price as data to be included in determining service charges to a customer associated with the transaction.
 27. The computer-readable storage medium of claim 26, wherein the pricing relationship relates to a billable entity.
 28. The computer-readable storage medium of claim 26, wherein the pricing relationship relates to one or more related accounts.
 29. The computer-readable storage medium of claim 26, wherein the pricing relationship relates to one or more related production services.
 30. The computer-readable storage medium of claim 26, wherein the total count of production service instances consumed comprises a count of the first production service instances consumed.
 31. The computer-readable storage medium of claim 26, wherein the total count of production service instances consumed comprises a count of production service instances consumed in one or more related accounts.
 32. The computer-readable storage medium of claim 26, wherein the first attribute comprises a pricing method.
 33. The computer-readable storage medium of claim 26, wherein the computer instructions that receive a request for a real-time price quote further comprise computer instructions that, when executed by a computer, cause the computer to record the transaction.
 34. The computer-readable storage medium of claim 26, wherein the computer instructions that receive a request for a real-time price quote further comprise computer instructions that, when executed by a computer, cause the computer to record the first production service, the first production service being a component of the transaction.
 35. The computer-readable storage medium of claim 26, wherein the computer instructions that receive a request for a real-time price quote further comprise computer instructions that, when executed by a computer, cause the computer to record the pricing relationship, the pricing relationship being related to the first production service.
 36. The computer-readable storage medium of claim 26, wherein the computer instructions that receive a request for a real-time price quote further comprise computer instructions that, when executed by a computer, cause the computer to record the billable service related to a pricing of the first production service.
 37. The computer-readable storage medium of claim 26, wherein the computer instructions that receive a request for a real-time price quote further comprise computer instructions that, when executed by a computer, cause the computer to record the price table related to the transaction, the price table containing the first attribute for the billable service.
 38. The computer-readable storage medium of claim 26, wherein the computer instructions that receive a request for a real-time price quote further comprise computer instructions that, when executed by a computer, cause the computer to: based on the pricing relationship, determine an end-of-period count of production service instances consumed during the billing cycle; calculate an end-of-period price for the first production service from the price table based on the first attribute for the billable service and the end-of-period count of production service instances consumed; and based on the end-of-price, modify the price apportioned to the transaction. 